Factors influencing university students' expenditure to use e-money in Malaysia

Hoh, Sek Lii (2024) Factors influencing university students' expenditure to use e-money in Malaysia. Project Report. Universiti Teknikal Malaysia Melaka, Melaka, Malaysia. (Submitted)

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Abstract

This research aimed to study the factors that influenced university students' expenditure to use e-money in Malaysia. Technological advancement had impacted on nearly every aspect of life, including changes to the present payment system. However, there were still people who preferred to use cash daily because they are lack of knowledge and information about the benefits of e-money, lacking internet knowledge leading to less confidence in e-money and insufficient infrastructure. Therefore, the purpose of this study was to examine the willingness of university students to use e-money as a payment tool for transactions in purchasing products or services. This study had three objectives: to identify the factors that influenced university students' expenditure to use e-money in Malaysia, to analyse the relationship between the identified factors and university students' expenditure to use e-money in Malaysia, and to determine the most influencing factor that influenced university students' expenditure to use e-money in Malaysia. This study extended the UTAUT theory with trustworthiness for assessing the attitude among university students' expenditure to use e-money in Malaysia. The research design was a quantitative method that distributed questionnaires to 384 university students in Malaysia. The findings of the study showed that all factors positively influenced university students' expenditure on e-money in Malaysia, with facilitating conditions having the highest impact. The research could be done in more specific geographical regions, conducted qualitative research and mixed-methods as well as applied other theories and models. In conclusion, the adoption of e-money of university students promoted a cashless environment and reduced the potential risks of carrying physical currency.

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